Case Overview

• Issue: John Jordan & William Nielson (Plaintiffs) sought damages after their hunting camp and outbuildings were destroyed by fire in 2018, claiming the insurance should have covered replacement costs exceeding $140,000.

Plaintiffs' Claims

• Finnegan Insurance Brokers failed in its duty to ensure the policy adequately covered their property and acted in bad faith by not advising them that replacement cost coverage was unavailable.
• Commonwell wrongfully closed their file while issues with the policy were unresolved.

Defendants’ Arguments

• Replacement insurance was not available for this type of property, and this was communicated to the plaintiffs.
• Jordan’s credibility was questioned, and Nielson provided no supporting evidence.
• The court had previously referred the dispute to arbitration, making litigation improper.
• Plaintiffs received a $54,000 cheque, exceeding the appraised value of $32,918.26.

Court’s Decision

• All claims dismissed. The arbitration order was binding.
• No credible evidence supported claims of misrepresentation or bad faith.
• Jordan admitted he knew the policy was cash value only before filing the lawsuit.
• The revised $10 million claim was entirely baseless and improper.
• Defendants are entitled to costs, to be determined if not agreed upon within 30 days. No specific amount was provided in the decision.